Create an application in the Yapily Dashboard and note the application_uuid and application_secret; ensure your application has payment initiation enabled and is associated with a PISP licence or use Yapily Connect for licence-free access
POST /payment-auth-requests with a body containing applicationUserId, institutionId (the target bank), and paymentRequest (type: DOMESTIC_PAYMENT, paymentIdempotencyId, amount, currency, reference, payee sort code and account number)
Receive an authorisationUrl in the response; redirect the user to this URL where they authenticate with their bank and approve the payment
After the user is redirected back to your redirectUri, capture the consent query parameter from the URL; POST /payments with this consent token and the original paymentRequest to execute the payment
Poll GET /payments/{paymentId} or listen for the Yapily webhook event PAYMENT_EXECUTED to confirm the payment status; handle PENDING, COMPLETED, and FAILED statuses with appropriate user messaging
Implement idempotency using paymentIdempotencyId: reuse the same value if retrying after a network failure; Yapily will return the existing payment rather than creating a duplicate
Known gotchas
Yapily's institutionId values differ from Open Banking registration names; use GET /institutions to fetch the current list and match to your user's bank — hardcoding institution IDs breaks when Yapily updates their catalogue
The consent token from the redirect is short-lived; do not delay the POST /payments call after receiving it — the window is institution-specific but is typically measured in minutes
Payment initiation requires a valid PISP licence in each jurisdiction; Yapily Connect allows access without a direct licence but routes via Yapily's own licence, which constrains the commercial model — confirm the arrangement before going to production
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp